{"took":79,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1747,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19955954","_score":23.378,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint regarding Cash Apps handling of an identity theft and unauthorized transaction dispute. \n\nAfter being assaulted and robbed by a roommate in XX/XX/XXXX, I began noticing unauthorized transactions occurring on my financial accounts, including my Cash App account. Over time, approximately {$1500.00} was taken from my accounts. I reported the identity theft to the XXXX XXXX of Police, and a police report was created documenting the theft and the suspect involved. \n\nI filed a dispute with Cash App regarding unauthorized transactions associated with my account. Cash App opened dispute case XXXX XXXXXXXX and later denied the claim, stating that the transactions were authorized by me or someone I authorized to use my credentials. However, Cash App did not provide evidence supporting this determination. \n\nAfter the dispute was denied, I contacted Cash App support again and requested written documentation of their investigation, including audit findings and the basis used to determine that the transactions were authorized. I specifically requested information such as device login records, IP address logs, authentication records, and any documentation used in their investigation. \n\nCash App acknowledged that my request for documentation was submitted on XX/XX/XXXX and stated that the matter was escalated for review. However, the company did not provide the requested investigation records or any evidence supporting their conclusion. \n\nI believe Cash App failed to conduct a reasonable investigation into the identity theft claim and improperly denied reimbursement for unauthorized transactions. I am requesting that Cash App conduct a proper investigation and provide the evidence used in their determination, and reimburse the funds taken from my account as a result of the unauthorized transactions.","date_sent_to_company":"2026-03-19T11:33:46.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"44112","tags":null,"has_narrative":true,"complaint_id":"19955954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-03-04T06:56:00.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that Cash App conduct a proper <em>investigation</em> and <em>provide</em> the <em>evidence</em> used in their determination, and reimburse the funds taken from my account as a result of the <em>unauthorized</em> <em>transactions</em>."],"issue":["<em>Unauthorized</em> <em>transactions</em> or other transaction problem"]},"sort":[23.378,"19955954"]},{"_index":"complaint-public-v1","_id":"20056904","_score":23.090908,"_source":{"product":"Checking or savings account","complaint_what_happened":"A follow-up to a prior CFPB complaint regarding two unauthorized debit card transactions, one for {$890.00} and {$890.00} totaling {$1700.00} on my Navy Federal Credit Union account . \nI reported these transactions as unauthorized and stated that I did not authorize or participate in them. Navy Federal denied the claim and stated only that it determined you authorized and/or participated in the activity. No explanation or supporting evidence was provided.\n\nAfter filing my previous CFPB complaint, Navy Federal stated it conducted another review but again denied the claim without providing documentation supporting its determination. When I requested the documents relied upon in making this decision, the response I received stated that Navy Federal does not provide proprietary fraud detection methodologies. No actual evidence of authorization was provided.\n\nUnder the Electronic Fund Transfer Act and Regulation E, financial institutions must conduct a reasonable investigation of unauthorized electronic fund transfer disputes and provide the consumer with the results of that investigation.\n\nTill now, they still have not explained how they concluded that I authorized these transactions, nor have they provided any documentation supporting their determination.\n\nI continue to dispute these transactions and request that Navy Federal provide the documentation relied upon in its investigation, including : The method of authorization for the transactions Any merchant verification obtained during the investigation Any device, IP address, or authentication data relied upon if the transactions were completed online Network authorization logs or other records supporting the conclusion that the transactions were authorized I respectfully request that this matter be reviewed again and that Navy Federal provide the evidence supporting its determination.","date_sent_to_company":"2026-03-07T00:37:36.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33076","tags":null,"has_narrative":true,"complaint_id":"20056904","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-03-07T00:21:58.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Under the Electronic Fund Transfer Act and Regulation E, financial institutions must conduct a reasonable <em>investigation</em> of <em>unauthorized</em> electronic fund transfer disputes and <em>provide</em> the consumer with the results of that <em>investigation</em>.\n\nTill now, they still have not explained how they concluded that I authorized these <em>transactions</em>, nor have they provided any <em>documentation</em> supporting their determination."]},"sort":[23.090908,"20056904"]},{"_index":"complaint-public-v1","_id":"18970904","_score":22.855637,"_source":{"product":"Checking or savings account","complaint_what_happened":"I disputed multiple unauthorized debit card transactions with Chime. Chime denied my claim but refused to provide any meaningful documentation of their investigation. I specifically requested the evidence used to make their determination, including investigative records, transaction verification, or any supporting materials. They provided only generic template responses and did not supply the requested documentation. This prevents me from verifying the legitimacy of their denial and obstructs my ability to challenge their decision. I believe this violates fair dispute investigation standards under Regulation E.\n\nI reported the unauthorized transactions to Chime promptly after discovering them. Despite multiple follow-ups, Chime denied the dispute without providing the investigative materials I requested. Their failure to provide documentation has left me without recourse and unable to verify whether a lawful investigation occurred. I am requesting regulatory review of Chimes dispute handling and documentation practices. \n\nOn or around mid XX/XX/XXXX, I discovered multiple unauthorized debit card transactions on my Chime account. I reported the transactions to Chime on or around XX/XX/XXXX. Chime denied my dispute on or around XX/XX/XXXX. I requested the evidence used to determine their decision on or around XX/XX/XXXX, and as of today XX/XX/XXXX they have not provided the requested documentation.","date_sent_to_company":"2026-01-23T23:36:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95126","tags":null,"has_narrative":true,"complaint_id":"18970904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-01-23T23:13:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I disputed multiple <em>unauthorized</em> debit card <em>transactions</em> with Chime. Chime denied my claim but refused to <em>provide</em> any meaningful <em>documentation</em> of their <em>investigation</em>. I specifically requested the <em>evidence</em> used to make their determination, including <em>investigative</em> records, transaction verification, or any supporting materials. They provided only generic template responses and did not supply the requested <em>documentation</em>."]},"sort":[22.855637,"18970904"]},{"_index":"complaint-public-v1","_id":"20585674","_score":22.686428,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint regarding unauthorized electronic fund transfers associated with my Cash App account ( Case # XXXX ). \n\nMy mobile device was compromised, and shortly thereafter unauthorized transactions were made from my account. I promptly secured my account and reported the unauthorized activity to Cash App. \n\nI filed a dispute in accordance with Cash App procedures. My claim was denied. However, Cash App has failed to provide any documentation, evidence, or explanation supporting their denial. \n\nOn XX/XX/year>, I sent a formal written notice requesting that Cash App : 1. Reopen my claim, and 2. Provide the complete investigation file, including all evidence and findings used to deny my dispute I provided a 24-hour deadline for response. Cash App failed to respond and has not provided any of the requested information. \n\nTo date, Cash App has : - Denied my claim without providing supporting evidence - Failed to respond to formal written requests - Failed to provide documentation of their investigation - Demonstrated a lack of a reasonable investigation into unauthorized transactions This raises serious concerns regarding compliance with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005.11 ), which require financial institutions to conduct a reasonable investigation and provide the basis for their findings. \n\nI am requesting that Cash App be required to : - Provide the full investigation file and all supporting documentation - Reopen the dispute and conduct a proper investigation - Issue reimbursement for the unauthorized transactions if they can not substantiate their denial This matter remains unresolved and requires immediate attention.","date_sent_to_company":"2026-03-25T17:01:08.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"563XX","tags":null,"has_narrative":true,"complaint_id":"20585674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-03-25T16:39:58.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To date, Cash App has : - Denied my claim without providing supporting <em>evidence</em> - Failed to respond to formal written requests - Failed to <em>provide</em> <em>documentation</em> of their <em>investigation</em> - Demonstrated a lack of a reasonable <em>investigation</em> into <em>unauthorized</em> <em>transactions</em> This raises serious concerns regarding compliance with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005.11 ), which require financial institutions to conduct a reasonable <em>investigation</em> and <em>provide</em>"],"issue":["<em>Unauthorized</em> <em>transactions</em> or other transaction problem"]},"sort":[22.686428,"20585674"]},{"_index":"complaint-public-v1","_id":"20302400","_score":22.42584,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Citizens Banks denial of a fraud claim involving {$36000.00} in unauthorized debit card transactions on my account. \n\nMy debit card and mobile phone were stolen, and shortly afterward multiple fraudulent transactions were made using my debit card information. I reported the theft and the unauthorized transactions to Citizens Bank promptly and filed a fraud claim. \n\nDespite the clear circumstances of theft and unauthorized activity, Citizens Bank denied my fraud claim and has not provided adequate documentation or evidence explaining how it concluded that the transactions were authorized. \n\nUnder the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions are required to conduct a reasonable investigation when a consumer reports unauthorized electronic fund transfers. If a claim is denied, the bank must provide a clear explanation of the findings and make available the documentation used in its determination. \n\nCitizens Bank has failed to provide : A complete written explanation of the denial determination The evidence relied upon during the investigation Any authentication records such as device identifiers, IP logs, geolocation records, or chip/PIN verification data supporting its conclusion that the transactions were authorized This situation is especially concerning because fraud stemming from the same theft incident occurred on accounts I hold at XXXX XXXX XXXX and XXXX XXXX conducted its investigation and reimbursed the stolen funds after confirming the transactions were fraudulent. \n\nThe amount of money involved is {$36000.00}, and the denial of my claim without adequate explanation has caused significant financial harm. \n\nI am requesting that Citizens Bank : 1. Reopen and conduct a proper investigation into the unauthorized transactions 2. Provide a full written explanation and documentation supporting its prior determination 3. Credit my account for the {$36000.00} in fraudulent transactions Citizens Banks failure to provide transparency regarding its investigation raises serious concerns about whether it complied with its obligations under Regulation E governing unauthorized electronic fund transfers.\n\nGiven that my debit card and phone were stolen and the transactions were reported promptly, my liability for unauthorized electronic fund transfers should be limited under the Electronic Fund\nTransfer Act ( 15 U.S.C. 1693g ) and Regulation E ( 12 CFR 1005.6 ).\n\nIf Citizens Bank is asserting that the transactions were authorized, I request that the bank provide the specific evidence and authentication records demonstrating authorization, including chip verification records, PIN authentication logs, device identifiers, geolocation data, and any other transaction verification data relied upon during the investigation. \n\nAbsent such evidence, denying reimbursement for {$36000.00} in clearly disputed transactions following a theft incident appears inconsistent with the banks obligations under Regulation E to conduct a reasonable investigation and properly resolve claims of unauthorized electronic fund transfers. \n\nUnder Regulation E ( 12 CFR 1005.11 ), when I reported unauthorized electronic transactions, the bank did not complete the investigation within 10 business days, OR provide provisionally credit my account while they continue investigating They can not just hold my money and investigate for weeks or months without giving provisional credit.\n\nI am requesting regulatory review and assistance in resolving this matter.","date_sent_to_company":"2026-03-16T18:01:22.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07960","tags":null,"has_narrative":true,"complaint_id":"20302400","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2026-03-16T17:36:05.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Reopen and conduct a proper <em>investigation</em> into the <em>unauthorized</em> <em>transactions</em> 2. <em>Provide</em> a full written explanation and <em>documentation</em> supporting its prior determination 3. Credit my account for the {$36000.00} in fraudulent <em>transactions</em> Citizens Banks failure to <em>provide</em> transparency regarding its <em>investigation</em> raises serious concerns about whether it complied with its obligations under Regulation E governing <em>unauthorized</em> electronic fund transfers."]},"sort":[22.42584,"20302400"]},{"_index":"complaint-public-v1","_id":"20333538","_score":22.351044,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a follow-up regarding my complaint against Wells Fargo XXXX In response to my formal request for documentation supporting the denial of my fraud claim, Wells Fargo provided only copies of my own account statements and transaction history. These materials do not constitute evidence of authorization or a reasonable investigation under Regulation E. \n\nWells Fargo did not provide any of the requested supporting documentation, including merchant transaction records, authentication data, IP address logs, device identification, or any evidence demonstrating that I authorized the disputed transactions or benefited from them. The absence of such documentation raises serious concerns regarding the adequacy of the investigation conducted. \n\nThe disputed transactions involved unauthorized debit card purchases through XXXX, followed by an immediate transfer of XXXX to an external wallet address that I do not own or control. I have consistently maintained that I did not authorize these transactions and received no benefit. \n\nProviding only account statements does not satisfy XXXX XXXX obligation under Regulation E to conduct a reasonable investigation and substantiate its findings. I respectfully request that this matter be reviewed again, and that Wells Fargo either provide actual evidence demonstrating authorization or reimburse the {$5000.00} in unauthorized transactions.","date_sent_to_company":"2026-03-17T15:16:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20333538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-17T14:56:26.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I respectfully request that this matter be reviewed again, and that Wells Fargo either <em>provide</em> actual <em>evidence</em> demonstrating authorization or reimburse the {$5000.00} in <em>unauthorized</em> <em>transactions</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[22.351044,"20333538"]},{"_index":"complaint-public-v1","_id":"10257309","_score":22.164444,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Bank of America regarding their repeated denial of my chargeback claim for unauthorized transactions totaling {$5700.00}, associated with Claim Number XXXX. Despite multiple communications and requests for a thorough investigation, Bank of America has unjustly denied my claim, alleging that the transactions were authorized without providing adequate documentation or evidence to support this assertion. \n\nBackground of the Issue : On or around XX/XX/year>, I discovered multiple unauthorized transactions on my debit card totaling {$5700.00}. \nI immediately filed a dispute with Bank of America for these transactions, claiming they were unauthorized. \nAfter my initial claim, Bank of America denied it, stating that the charges were either authorized by me or by someone who had my permission to use the account. \nI requested a re-evaluation of the claim, but despite further communication and my insistence that these charges were unauthorized, Bank of America continues to deny my claim without presenting sufficient documentation or evidence to justify their decision. \nViolations of Regulation XXXX : According to the Electronic Fund Transfer Act ( XXXX ), banks are required to conduct a reasonable investigation before denying a chargeback claim. Based on the bank 's response, it appears that : No thorough investigation was conducted : Bank of America has not provided documentation or proof to support their conclusion that the transactions were authorized. \nNo verification with the merchant : I believe Bank of America failed to contact the merchants involved to verify whether these transactions were indeed authorized by me or not. \nLack of evidence : The bank has not supplied any evidence or reasonable justification that aligns with the unauthorized transactions or my account history. \nRequest for CFPB Intervention : I believe that Bank of America has failed to comply with their legal obligations under Regulation XXXX, particularly their duty to perform a thorough and reasonable investigation. I am requesting the following actions from the CFPB : A full review of Bank of Americas investigation process related to Claim Number XXXX. \nA requirement that Bank of America provide documentation and proof of the investigation they claim to have conducted. \nAn immediate reversal of the denial and refund of the unauthorized transactions totaling {$5700.00}. \nThis ongoing issue has caused me significant distress, and I would appreciate any assistance the CFPB can provide in ensuring that Bank of America upholds its responsibility under the law. \n\nThank you for your attention to this matter. I look forward to your response.","date_sent_to_company":"2024-09-26T21:18:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10257309","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-09-26T21:03:18.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am requesting the following actions from the CFPB : A full review of Bank of Americas <em>investigation</em> process related to Claim Number XXXX. \nA requirement that Bank of America <em>provide</em> <em>documentation</em> and proof of the <em>investigation</em> they claim to have conducted. \nAn immediate reversal of the denial and refund of the <em>unauthorized</em> <em>transactions</em> totaling {$5700.00}."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[22.164444,"10257309"]},{"_index":"complaint-public-v1","_id":"21893869","_score":22.146372,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XXXX XXXX unauthorized withdrawals totaling {$9800.00} were made from my Cash App account after my phone was stolen. I did not authorize these transactions. \n\nI reported the unauthorized activity to Cash App on XX/XX/year>, immediately after discovering the issue. I also filed a police report documenting the theft of my phone and the resulting unauthorized access to my account. \n\nCash App denied my dispute multiple times, claiming the transactions were authorized. However, they failed to provide any actual evidence to support this determination. The only documentation provided was a list of the transactions, which does not demonstrate authorization. \n\nCash App did not provide IP address logs, device identifiers, login history, or geolocation data. They also failed to meaningfully consider the fact that my phone was stolen and used without my permission.\n\nUnder the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ), financial institutions are required to conduct a reasonable investigation of unauthorized electronic fund transfer claims. Cash Apps failure to provide supporting evidence or demonstrate a reasonable investigation indicates noncompliance with these requirements. \n\nI am requesting reimbursement of {$9800.00} and production of all documentation relied upon in their investigation.","date_sent_to_company":"2026-05-05T15:51:50.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"60419","tags":null,"has_narrative":true,"complaint_id":"21893869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-05-05T15:38:45.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ), financial institutions are required to conduct a reasonable <em>investigation</em> of <em>unauthorized</em> electronic fund transfer claims. Cash Apps failure to <em>provide</em> supporting <em>evidence</em> or demonstrate a reasonable <em>investigation</em> indicates noncompliance with these requirements. \n\nI am requesting reimbursement of {$9800.00} and production of all <em>documentation</em> relied upon in their <em>investigation</em>."],"issue":["<em>Unauthorized</em> <em>transactions</em> or other transaction problem"]},"sort":[22.146372,"21893869"]},{"_index":"complaint-public-v1","_id":"21233188","_score":22.142654,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Current regarding their failure to properly investigate and resolve unauthorized electronic fund transfers totaling over {$6500.00} on my account ending in XXXX. \n\nThese transactions were the result of identity theft and account takeover. An unknown third party gained access to my mobile device and financial accounts, including unauthorized activation of call and text forwarding, which allowed them to intercept authentication codes and gain control of my accounts. \n\nThe unauthorized activity primarily involved XXXX transactions used in connection with XXXX  to purchase cryptocurrency. This activity occurred rapidly and repeatedly over a XXXX  period and is clearly inconsistent with normal consumer behavior. \n\nI reported this fraud and fully complied with Currents dispute and appeal process. At their request, I submitted substantial additional evidence, including : An FTC Identity Theft Report Screenshots documenting multiple unauthorized transactions Evidence of device compromise ( unauthorized call and text forwarding ) Documentation showing a clear pattern of fraudulent activity A work clock-in record proving I was physically at work during a {$1000.00} transaction on XX/XX/year> at approximately XXXX PM This evidence directly contradicts any conclusion that the transactions were authorized. \n\nDespite this, Current : Denied my dispute and appeal without properly addressing the evidence Failed to investigate the full scope of unauthorized transactions ( over {$6500.00} ) Improperly limited review to a single transaction instead of the full pattern of fraud Failed to provide any meaningful explanation or documentation supporting their determination that the transactions were authorized Failed to timely acknowledge or process my submitted evidence after specifically requesting it Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.6 and 1005.11 ), consumers are not liable for unauthorized electronic fund transfers initiated by a third party without actual authority, even if the fraudster used the consumers device or credentials due to account compromise. \n\nAdditionally, financial institutions are required to conduct a reasonable investigation and consider all relevant evidence submitted by the consumer. Current has failed to meet these obligations. \n\nI am requesting that Current be required to : - Reopen and conduct a full, good-faith reinvestigation of ALL unauthorized transactions - Reimburse the full amount of the fraudulent transfers totaling over {$6500.00} - Provide all documentation relied upon in determining that the transactions were authorized, including device, IP, and authentication logs - Correct their failure to properly process my appeal and submitted evidence - Ensure compliance with Regulation E requirements going forward I am submitting this complaint because Current has failed to properly investigate clear account takeover fraud and is incorrectly holding me liable for unauthorized transactions.","date_sent_to_company":"2026-04-14T18:30:55.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91304","tags":null,"has_narrative":true,"complaint_id":"21233188","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-04-14T18:23:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Despite this, Current : Denied my dispute and appeal without properly addressing the <em>evidence</em> Failed to <em>investigate</em> the full scope of <em>unauthorized</em> <em>transactions</em> ( over {$6500.00} ) Improperly limited review to a single transaction instead of the full pattern of fraud Failed to <em>provide</em> any meaningful explanation or <em>documentation</em> supporting their determination that the <em>transactions</em> were authorized Failed to timely acknowledge or process my submitted <em>evidence</em> after specifically requesting it Under the"]},"sort":[22.142654,"21233188"]},{"_index":"complaint-public-v1","_id":"20699601","_score":22.094912,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding a denied unauthorized transaction claim totaling XXXX. \n\nI reported multiple transactions as unauthorized. Charles Schwab Bank denied my claim and later issued a final determination refusing to reopen the matter after I submitted a formal written rebuttal on XX/XX/2026. \n\nSchwabs determination relies on XXXX chip usage, PIN verification, and XXXX XXXX data. These factors do not establish that I authorized the transactions. \n\nUnder the Electronic Fund Transfer Act, 15 U.S.C. section XXXXg, the burden is on the financial institution to prove that a transaction was authorized by the consumer. Schwab has not provided evidence that I personally initiated or approved the transactions.\n\nSchwab is relying on the assumption that because a valid card and PIN were used, the transactions must be authorized. This does not establish the identity of the person who conducted the transactions. \n\nSchwab also relied on delivery confirmation and merchant documentation. Delivery to an address does not establish that I received or authorized the goods. No signature or verified receipt by me has been provided. \n\nI requested documentation supporting their determination, including transaction data and evidence of authorization. Schwab did not provide this information and refused to reopen the claim.\n\nSchwabs investigation appears to rely on assumptions and third-party assertions rather than verifiable evidence linking me to the transactions. This does not meet the standard of a reasonable investigation required under Regulation XXXX. \n\nI am requesting that Schwab be required to provide all documentation relied upon in their investigation, demonstrate evidence that I authorized the transactions, conduct a proper reinvestigation in compliance with federal law, and restore the disputed funds if authorization can not be proven. \n\nThis matter remains unresolved.","date_sent_to_company":"2026-03-26T23:30:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33166","tags":"Older American","has_narrative":true,"complaint_id":"20699601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2026-03-26T23:08:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I requested <em>documentation</em> supporting their determination, including transaction data and <em>evidence</em> of authorization. Schwab did not <em>provide</em> this information and refused to reopen the claim.\n\nSchwabs <em>investigation</em> appears to rely on assumptions and third-party assertions rather than verifiable <em>evidence</em> linking me to the <em>transactions</em>. This does not meet the standard of a reasonable <em>investigation</em> required under Regulation XXXX."]},"sort":[22.094912,"20699601"]},{"_index":"complaint-public-v1","_id":"21491492","_score":22.05303,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am disputing multiple unauthorized international debit card transactions that posted to my account on XX/XX/year>. I did not authorize these transactions, did not add my card to any digital wallet, and did not receive any goods or services from the merchants involved. \n\nThese transactions occurred in multiple different countries, yet several of them had identical or nearly identical amounts, which is a common indicator of cardtesting fraud. The merchants were unrelated and located in different regions, and the repeated amounts are not consistent with legitimate use. \n\nI immediately reported the charges to the bank and submitted a written dispute. After I sent my dispute letter, the bank restricted my account access, preventing me from viewing my transaction history or communicating through normal channels. This restriction occurred only after I challenged the transactions, and it appears retaliatory. \n\nThe bank did not conduct a proper investigation as required under Regulation E. Instead of contacting the merchants or obtaining documentation showing authorization, delivery of goods, or proof of benefit, the bank relied solely on internal tokenprovisioning screenshots. These logs do not prove that I authorized the transactions, do not show merchant responses, and do not demonstrate that I received anything of value. \n\nThe only letter the bank sent me was written in an accusatory tone, implying that I had added my card to a digital wallet and authorized the transactions. This is not true, and the bank provided no evidence to support this claim. The letter did not include any merchant documentation, did not explain how they reached their conclusion, and did not meet Regulation Es requirement for a written explanation with supporting evidence. \n\nWhen I asked the bank to contact the merchants or provide merchant documentation, they told me they do not have the merchants contact information because the transactions were international. This is not accurate. Banks have access to merchant contact channels through the card network and the acquiring bank. Claiming they lack merchant contact information is a known indicator of a deficient investigation. \n\nWhen I requested a proper investigation and asked for the documentation used in their decision, the bank also told me that they are not required to reinvestigate any claim that has been closed as denied. They then stated they would look at the matter again as a courtesy. This is misleading. Regulation E requires a bank to reopen or reconsider a claim when the consumer provides new information, disputes the adequacy of the investigation, or requests the evidence used in the decision. A reinvestigation is not a courtesy ; it is a legal requirement when the initial investigation was incomplete or noncompliant. \n\nI repeatedly requested the full investigation file, including merchant documentation, chargeback responses, fraud case notes, and any evidence used to deny my claim. The bank refused to provide these materials. They also failed to respond to my written dispute letter and did not address the issues I raised. \n\nThese actions reflect several known weaknesses that XXXX banks are frequently cited for : - relying on internal token logs instead of merchant evidence - refusing to obtain documentation from the acquiring bank - claiming they do not have merchant contact information - failing to provide required written explanations- failing to provide copies of evidence used in the decision - restricting or blocking customer accounts after a dispute is filed - ignoring written disputes and failing to respond within required timelines - mischaracterizing unauthorized transactions as authorized without proof- incorrectly claiming they do not have to reinvestigate a denied claim - treating required compliance steps as courtesies The banks failure to investigate, failure to obtain merchant documentation, failure to provide required evidence, refusal to reinvestigate, and failure to respond to my written dispute violate Regulation Es requirements for timely investigation, written findings, and supporting documentation. \n\nI am requesting that the CFPB require the bank to conduct a complete and compliant investigation, provide all documentation used in their decision, restore my account access, and refund the unauthorized transactions.","date_sent_to_company":"2026-04-22T18:05:52.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"97217","tags":null,"has_narrative":true,"complaint_id":"21491492","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"B9, Inc.","date_received":"2026-04-22T17:53:28.000Z","state":"OR","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB require the bank to conduct a complete and compliant <em>investigation</em>, <em>provide</em> all <em>documentation</em> used in their decision, restore my account access, and refund the <em>unauthorized</em> <em>transactions</em>."]},"sort":[22.05303,"21491492"]},{"_index":"complaint-public-v1","_id":"17095071","_score":21.977903,"_source":{"product":"Debt or credit management","complaint_what_happened":"Summary of the Problem : I filed a dispute with Chime regarding XXXX unauthorized XXXX XXXX  transfers totaling {$11000.00} that were made without my knowledge or consent. My account number ends in XXXX, and the Claim ID is XXXX. \n\nI reported these unauthorized charges to Chime on XX/XX/year>, in full compliance with the requirements of Regulation E for unauthorized electronic fund transfers.\n\nAfter submitting all requested information, I received a final determination notice from Chime stating that no error occurred and that the claim was closed without any explanation, transaction evidence, or documentation supporting that conclusion. \n\nChimes letter did not include or offer access to the investigative materials they used to make this determination, and the decision appears to have been made without proper investigation. I have requested all documentation and evidence under Regulation E 1005.11, but as of now, I have not received it. \n\nI believe Chime failed to conduct a proper and good-faith investigation and wrongfully denied my refund. The disputed transactions were clearly unauthorized, and I did not benefit from any of the transfers. \n\nRequested Resolution : Full reversal and reimbursement of {$11000.00} in unauthorized transactions. \nCopies of all documentation, logs, and evidence used in the investigation. \nConfirmation that Chimes dispute process complies with federal Regulation E. \n\nAdditional Details : Account ending in : XXXX Claim ID : XXXX Report date : XX/XX/year> Total number of unauthorized transactions : XXXX Total loss : {$11000.00} Chimes final response : No error occurred ( no supporting documentation provided ) Please assist in having this claim re-investigated and ensuring Chime provides all required records and refunds for the unauthorized transactions as required by law.","date_sent_to_company":"2025-11-07T21:28:12.000Z","issue":"Unauthorized withdrawals or charges","sub_product":"Debt settlement","zip_code":"75216","tags":null,"has_narrative":true,"complaint_id":"17095071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-11-07T21:23:44.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additional Details : Account ending in : XXXX Claim ID : XXXX Report date : XX/XX/year> Total number of <em>unauthorized</em> <em>transactions</em> : XXXX Total loss : {$11000.00} Chimes final response : No error occurred ( no supporting <em>documentation</em> provided ) Please assist in having this claim re-<em>investigated</em> and ensuring Chime <em>provides</em> all required records and refunds for the <em>unauthorized</em> <em>transactions</em> as required by law."],"issue":["<em>Unauthorized</em> withdrawals or charges"]},"sort":[21.977903,"17095071"]},{"_index":"complaint-public-v1","_id":"20700504","_score":21.875875,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, at approximately XXXXXX/XX/XXXX I noticed XXXX unauthorized transactions on my account that I did not make or approve. The total amount of these transactions is approximately {$3300.00}. \n\nThe transactions include multiple charges from merchants such as XX/XX/XXXX and XX/XX/XXXX \n\nI was in possession of my card at all times and did not authorize these transactions. \n\nI immediately contacted the company to report the fraud and requested an investigation and refund. I also filed a police report regarding the unauthorized activity. \n\nDespite reporting this promptly, the company has failed to properly resolve the issue and denied my dispute without sufficient explanation. I was not provided with clear documentation or evidence showing that the transactions were authorized by me. \n\nI believe the company did not conduct a fair or thorough investigation. \n\nI am requesting that the company fully investigate this matter, provide all documentation related to the transactions, and issue a refund for the unauthorized charges.","date_sent_to_company":"2026-03-27T00:06:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"49423","tags":null,"has_narrative":true,"complaint_id":"20700504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-03-26T23:32:52.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am requesting that the company fully <em>investigate</em> this matter, <em>provide</em> all <em>documentation</em> related to the <em>transactions</em>, and issue a refund for the <em>unauthorized</em> charges."]},"sort":[21.875875,"20700504"]},{"_index":"complaint-public-v1","_id":"18350253","_score":21.873508,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding unauthorized transactions on my Cash App account. \n\nOn or around XX/XX/year> and XX/XX/year>, I discovered unauthorized transfers totaling approximately {$850.00} and {$20.00} that I did not authorize or initiate. I did not provide my login credentials, PIN, or permission to any third party. \n\nI promptly reported the transactions to Cash App and filed a fraud dispute. During my interactions with Cash App, I was advised by a representative that submitting information by phone would be preferable to submitting it online. Based on that guidance, I attempted to provide information through phone support. However, the phone-based process did not provide a clear, documented, or transparent method for submitting evidence, and I am concerned that this guidance limited my ability to submit documentation through formal channels. \n\nCash App informed me that I had 24 hours to submit all supporting evidence. This timeframe was insufficient to obtain relevant third-party documentation. In particular, the deadline did not allow enough time to contact XXXX to request location or account activity records showing where my phone was and where I was located at the time the transactions occurred. \n\nCash Apps records indicate that at least one transaction occurred in XXXX, XXXX. At the time of the transaction, I was physically located in XXXX  XXXX, riding the XXXX XXXX bus toward my residence in XXXX XXXX, XXXX. I was unable to obtain carrier documentation confirming my location within the 24-hour deadline imposed by Cash App. \n\nAs a result, I was unable to submit potentially relevant third-party evidence within the timeframe provided. Cash App denied my dispute, stating that the transactions were authorized, without providing documentation or evidence explaining how that determination was made. \n\nI requested that Cash App reopen the dispute, conduct a proper investigation, and provide documentation or a clear explanation of how they concluded the transactions were authorized. Cash App denied my request a second time without providing meaningful details regarding their investigation or decision. \n\nI believe Cash App failed to conduct a reasonable investigation into unauthorized electronic fund transfers, imposed an unreasonable evidentiary deadline, and provided inconsistent guidance regarding how evidence should be submitted. I am requesting regulatory assistance to ensure this matter is properly reviewed and addressed.","date_sent_to_company":"2025-12-29T20:42:28.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"98146","tags":null,"has_narrative":true,"complaint_id":"18350253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-12-29T20:34:08.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I requested that Cash App reopen the dispute, conduct a proper <em>investigation</em>, and <em>provide</em> <em>documentation</em> or a clear explanation of how they concluded the <em>transactions</em> were authorized. Cash App denied my request a second time without providing meaningful details regarding their <em>investigation</em> or decision."],"issue":["<em>Unauthorized</em> <em>transactions</em> or other transaction problem"]},"sort":[21.873508,"18350253"]},{"_index":"complaint-public-v1","_id":"20763219","_score":21.807356,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Chime regarding a denied unauthorized transaction claim ( Claim ID : XXXX ) totaling {$2900.00}. \n\nMy debit card was lost, and multiple unauthorized transactions were made through XXXX XXXX from an unknown person account without my knowledge or permission. I did not authorize these transactions, did not share my card information, and did not benefit from these purchases in any way. \n\nI reported the issue promptly and fully cooperated with Chimes investigation. However, I received a final determination stating that no error occurred, without being provided sufficient evidence to support this conclusion.\n\nUnder Regulation E ( Electronic Fund Transfer Act ), financial institutions are required to conduct a reasonable investigation and provide evidence of authorization if a claim is denied. Chime has failed to provide : Proof that I authorized the transactions Any IP address, device information, or authentication details Any evidence showing the transactions were conducted by me Because my card was lost and used fraudulently, I am requesting : A full reinvestigation of my claim ( Claim ID : XXXX ) All documentation and evidence used in the denial decision A refund of the unauthorized transactions totaling {$2900.00} Chimes failure to properly investigate and reimburse unauthorized transactions appears to be a violation of Regulation E consumer protections.\n\nI am requesting immediate resolution.","date_sent_to_company":"2026-03-30T05:12:55.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34113","tags":null,"has_narrative":true,"complaint_id":"20763219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-30T05:00:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Chime has failed to <em>provide</em> : Proof that I authorized the <em>transactions</em> Any IP address, device information, or authentication details Any <em>evidence</em> showing the <em>transactions</em> were conducted by me Because my card was lost and used fraudulently, I am requesting : A full reinvestigation of my claim ( Claim ID : XXXX ) All <em>documentation</em> and <em>evidence</em> used in the denial decision A refund of the <em>unauthorized</em> <em>transactions</em> totaling {$2900.00} Chimes failure to properly <em>investigate</em> and reimburse <em>unauthorized</em> <em>transactions</em>"]},"sort":[21.807356,"20763219"]},{"_index":"complaint-public-v1","_id":"15476024","_score":21.79913,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX Chase Claim number : XXXX Claimed related to account number : XXXX I lost my Chase debit card and discovered multiple transactions that I did not authorize. I reported the loss and the unauthorized purchases to Chase immediately on XX/XX/scrub>/25 well within the Regulation E time limits. \n\nChase issued a provisional credit while they investigated. After their investigation, they reversed the credit and removed the funds from my account, claiming the transactions were authorized. I did not make, authorize, or benefit from these purchases. I did not provide my card, PIN, or account details to anyone.\n\nI requested evidence of how Chase determined these transactions were authorized, but I have not received a clear explanation or documentation.\n\nUnder the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 ), I am entitled to a proper investigation and reimbursement for unauthorized transactions reported promptly. I am requesting that the CFPB require Chase to : Provide all evidence used in their decision.\n\nReimburse me for the unauthorized transactions.\n\nCorrect my account balance and any fees or interest caused by this reversal.\n\nChases reversal of the provisional credit is financially harmful and appears to violate my rights under Regulation E.\n\nDesired Resolution : Full reimbursement for the unauthorized transactions.\n\nWritten explanation and supporting documentation for Chases decision.\n\nReversal of any related fees or negative impacts on my account.\n\nI have attached the proof that I was in XXXX XXXX  Ca","date_sent_to_company":"2025-08-23T20:13:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92307","tags":null,"has_narrative":true,"complaint_id":"15476024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-23T20:03:47.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I did not <em>provide</em> my card, PIN, or account details to anyone.\n\nI requested <em>evidence</em> of how Chase determined these <em>transactions</em> were authorized, but I have not received a clear explanation or <em>documentation</em>.\n\nUnder the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 ), I am entitled to a proper <em>investigation</em> and reimbursement for <em>unauthorized</em> <em>transactions</em> reported promptly. I am requesting that the CFPB require Chase to : <em>Provide</em> all <em>evidence</em> used in their decision."]},"sort":[21.79913,"15476024"]},{"_index":"complaint-public-v1","_id":"19071871","_score":21.783636,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Chime Banks handling of unauthorized transactions on my account and their refusal to provide a meaningful explanation for denying my dispute. \n\nOn Sunday, XX/XX/XXXX, {$490.00} funds were stolen from my Chime account through unauthorized transactions. I reported the fraud immediately while the transactions were still pending. I was explicitly told by a Chime XXXX named XXXX that the payments had been stopped, that the transactions would not be completed, and that no funds would be taken from my account. \n\nDespite these assurances, the funds were ultimately removed from my account. \n\nI provided documentation and proof showing that I did not authorize these charges. In addition, the merchant confirmed the fraud, shut down the individuals responsible, and acknowledged that the transactions were unauthorized. \n\nEven with this confirmation and evidence, Chime denied my dispute on XX/XX/XXXX and again on XX/XX/XXXX, without providing any explanation, evidence, or reasoning for the denial. I was simply informed that the claims were denied. \n\nI have repeatedly requested : - A written explanation for why the dispute was denied - Documentation supporting Chimes determination - Clarification of what evidence was used to conclude the transactions were authorized Chime has refused to provide this information and has not engaged in good-faith communication. As a consumer, I believe this violates my rights under Regulation E, which requires financial institutions to conduct reasonable investigations and provide clear explanations regarding unauthorized electronic fund transfers, especially when a consumer relies on representations made by the bank. \n\nI am requesting that the Consumer Financial Protection Bureau review this matter and require Chime Bank to : 1. Provide a written explanation for the denial of my dispute 2. Produce documentation supporting their findings 3. Explain why funds were released after I was told the payments were stopped 4. Reopen and properly investigate the unauthorized transactions 5. Return the stolen funds or otherwise provide appropriate relief Thank you for your assistance in helping ensure accountability and fair treatment. \n\nSincerely,","date_sent_to_company":"2026-01-28T16:51:18.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"670XX","tags":null,"has_narrative":true,"complaint_id":"19071871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-01-28T16:46:36.000Z","state":"KS","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Produce <em>documentation</em> supporting their findings 3. Explain why funds were released after I was told the payments were stopped 4. Reopen and properly <em>investigate</em> the <em>unauthorized</em> <em>transactions</em> 5. Return the stolen funds or otherwise <em>provide</em> appropriate relief Thank you for your assistance in helping ensure accountability and fair treatment. \n\nSincerely,"]},"sort":[21.783636,"19071871"]},{"_index":"complaint-public-v1","_id":"20873780","_score":21.738691,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Fidelity XXXX XXXX XXXX XXXX concerning unauthorized transactions on my Fidelity XXXX XXXX XXXX. \n\nI reported unauthorized transactions and filed a fraud claim. On XX/XX/year>, I received a denial letter stating that the transactions were determined to be valid. However, the letter provides no explanation or supporting documentation showing that I authorized these transactions. \n\nI dispute this conclusion. At the time of the transactions, my accounts and devices were compromised. Other financial institutions identified unauthorized access to my accounts during the same timeframe, including indications of external online banking access and potential device compromise. \n\nDespite this, Fidelity XXXX XXXX XXXX : Did not provide any documentation supporting their determination Did not explain how the transactions were verified as authorized Did not address my report of unauthorized access and compromised credentials Under Regulation XXXX, financial institutions are required to conduct a reasonable investigation and provide results. A denial without supporting evidence does not meet this standard. \n\nI am requesting : All documentation relied upon in the investigation Transaction-level details, including authorization method and any device or IP data A full explanation of how the transactions were determined to be authorized Reconsideration of my claim based on a complete and reasonable investigation This matter remains unresolved, and I am requesting CFPB assistance to ensure compliance with applicable consumer protection regulations.","date_sent_to_company":"2026-04-02T04:59:21.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"60560","tags":"Servicemember","has_narrative":true,"complaint_id":"20873780","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"FIDELITY CAPITAL HOLDINGS, INC","date_received":"2026-04-02T04:52:17.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Despite this, Fidelity XXXX XXXX XXXX : Did not <em>provide</em> any <em>documentation</em> supporting their determination Did not explain how the <em>transactions</em> were verified as authorized Did not address my report of <em>unauthorized</em> access and compromised credentials Under Regulation XXXX, financial institutions are required to conduct a reasonable <em>investigation</em> and <em>provide</em> results. A denial without supporting <em>evidence</em> does not meet this standard."]},"sort":[21.738691,"20873780"]},{"_index":"complaint-public-v1","_id":"21712719","_score":21.670227,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding Chase Banks refusal to properly investigate and reimburse unauthorized transactions on my account. \nThe transactions in question total {$660.00} and were made at XXXX locations in California using XXXX XXXX. I reside in Texas and was physically present in Texas at the time these transactions occurred. I did not authorize these transactions, nor did I add my card to any other device. \nI reported these transactions to Chase, and a claim was opened ( Claim # XXXX ). Chase initially provided a temporary credit, which was later reversed after they determined the transactions were authorized. However, Chase has failed to provide any evidence supporting this conclusion. \nI have repeatedly requested that Chase provide the basis for their determination, including : The device used to make the XXXX XXXX transactions The verification method used when the card was added to the digital wallet Any records showing that I authorized these transactions Chase has refused to provide this information and has instead directed me to resolve the issue with the merchant, XXXX. This is inappropriate, as I did not conduct any business with the merchant and these are clearly unauthorized transactions. \nUnder the Electronic Fund Transfer Act ( Regulation E ), I am not liable for unauthorized transactions, and the responsibility to investigate rests with the financial institution. \nI am requesting that Chase : 1. Reopen and properly investigate my claim 2. Provide all documentation and evidence used to determine that the transactions were authorized 3. Reimburse the full amount of {$660.00}","date_sent_to_company":"2026-04-29T16:48:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"75240","tags":null,"has_narrative":true,"complaint_id":"21712719","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-29T16:33:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["This is inappropriate, as I did not conduct any business with the merchant and these are clearly <em>unauthorized</em> <em>transactions</em>. \nUnder the Electronic Fund Transfer Act ( Regulation E ), I am not liable for <em>unauthorized</em> <em>transactions</em>, and the responsibility to <em>investigate</em> rests with the financial institution. \nI am requesting that Chase : 1. Reopen and properly <em>investigate</em> my claim 2. <em>Provide</em> all <em>documentation</em> and <em>evidence</em> used to determine that the <em>transactions</em> were authorized 3."]},"sort":[21.670227,"21712719"]},{"_index":"complaint-public-v1","_id":"21578301","_score":21.665548,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding unauthorized transactions on my Wells Fargo checking account. Multiple transactions were made that I did not authorize. I reported these transactions immediately upon discovery. \n\nWells Fargo denied my claim, stating that the transactions were authorized, but they have not provided any evidence supporting this determination. When I asked what evidence they relied on, I was not given a clear answer. \n\nI am requesting a reinvestigation under the Electronic Fund Transfer Act ( Regulation E ), as I did not make or approve these transactions. I also request that Wells Fargo provide documentation of how their investigation was conducted and what evidence they used to conclude the transactions were authorized. \n\nI am seeking reimbursement of the unauthorized transactions and proper handling of my claim in accordance with federal law.","date_sent_to_company":"2026-04-24T19:36:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"21578301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-24T19:20:54.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am requesting a reinvestigation under the Electronic Fund Transfer Act ( Regulation E ), as I did not make or approve these <em>transactions</em>. I also request that Wells Fargo <em>provide</em> <em>documentation</em> of how their <em>investigation</em> was conducted and what <em>evidence</em> they used to conclude the <em>transactions</em> were authorized. \n\nI am seeking reimbursement of the <em>unauthorized</em> <em>transactions</em> and proper handling of my claim in accordance with federal law."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[21.665548,"21578301"]},{"_index":"complaint-public-v1","_id":"12400471","_score":21.659014,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Formal Complaint Against Chime Unfair Denial of Fraud Disputes To Whom It May Concern, I am filing a formal complaint against Chime for its mishandling of two separate unauthorized transaction disputes on my account. I reported multiple fraudulent transactions, yet Chime denied both disputes without providing sufficient evidence or justification. Their lack of transparency and failure to follow proper investigation procedures violates consumer protection laws under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. \n\nDispute Details : Dispute # XXXX Claim ID : XXXX Reported Date : XX/XX/2025 Amount : {$1300.00} Unauthorized Transactions : Multiple, including payments to XXXX  and XXXX XXXX. \nResolution : Denied on XX/XX/2025 without sufficient explanation. \n\nDispute # 2 Claim ID : XXXX Reported Date : XX/XX/2025 Amount : {$1200.00} ( 21 unauthorized transactions ) Unauthorized Transactions : XXXX XXXX XXXX XXXX XXXX XXXX \nResolution : Denied on XX/XX/2025, with no clear evidence provided. \n\nIssues with Chimes Investigation Process : 1. Failure to Provide Supporting Evidence Chime claims it reviewed location and device data but has not shared any verifiable proof.\n\n2. Lack of Proper Chargeback Process I was not provided any documentation showing communication with the merchants or the merchants responses.\n\n3. Regulation E Violation Financial institutions must conduct a thorough investigation and provide clear reasoning for denying disputes. Chimes vague responses and failure to share evidence suggest noncompliance.\n\nResolution Demanded : I request that Chime : 1. Conduct a fair review of my disputes with proper documentation.\n\n2. Provide all supporting evidence, including merchant communications, device/location data, and justification for their denial.\n\n3. Issue a refund for the unauthorized transactions if the investigation remains insufficient.\n\nIf Chime does not resolve this matter, I will escalate my complaint to the Office of the Comptroller of the Currency ( OCC ), the Consumer Financial Protection Bureau ( CFPB ), and legal counsel.","date_sent_to_company":"2025-03-11T05:00:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21212","tags":"Servicemember","has_narrative":true,"complaint_id":"12400471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-03-11T04:52:04.000Z","state":"MD","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Dispute # 2 Claim ID : XXXX Reported Date : XX/XX/2025 Amount : {$1200.00} ( 21 <em>unauthorized</em> <em>transactions</em> ) <em>Unauthorized</em> <em>Transactions</em> : XXXX XXXX XXXX XXXX XXXX XXXX \nResolution : Denied on XX/XX/2025, with no clear <em>evidence</em> provided. \n\nIssues with Chimes <em>Investigation</em> Process : 1. Failure to <em>Provide</em> Supporting <em>Evidence</em> Chime claims it reviewed location and device data but has not shared any verifiable proof.\n\n2."]},"sort":[21.659014,"12400471"]},{"_index":"complaint-public-v1","_id":"21767721","_score":21.608778,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting a complaint regarding two unauthorized transactions on my checking account in the amounts of approximately {$1900.00} and {$2000.00} associated with a merchant listed as XXXX XXXX. \n\nI was initially contacted by Navy Federal Credit Union and informed that these transactions appeared potentially fraudulent. During that call, I immediately confirmed that I did not authorize the transactions, did not recognize the merchant, and had no relationship with the company associated with the charges.\n\nDespite reporting the transactions as fraud immediatly, the payments were still processed. I timely filed a fraud claim and fully cooperated with the investigation and appeal process.\n\nThe credit union later denied my claim, stating only that its information contradicts my claim of unauthorized activity. However, the company has repeatedly refused to provide any actual evidence or documentation showing that I authorized the transactions. Specifically, I requested documentation supporting their determination, including transaction authorization records, merchant verification, authentication methods, IP/device information, or other evidence relied upon during the investigation. These requests were denied. The company later stated that most of its investigation process was conducted electronically and that physical documentation relating to the fraud claim was minimal. Despite this, the company continues to deny my claim\nwithout explaining what information allegedly supports authorization.\n\nIn response to the companys request for additional information, I conducted independent research regarding the merchant associated with the charges. I searched the California Secretary of State database for XXXX XXXX in XXXX XXXX CA and found no registered business entity under that name nor location. I provided this documentation to the credit union as additional support for my fraud claim.\n\nTo date : * I maintain that these transactions were unauthorized.\n\n* I do not recognize or have any relationship with the merchant.\n\n* The company has failed to provide evidence demonstrating authorization.\n\n* My fraud claim and appeal were denied despite my repeated requests for supporting documentation.\n\nI am requesting that the CFPB review whether the investigation conducted by the credit union complied with applicable consumer protection requirements, including obligations under the Electronic Fund Transfer Act and Regulation E regarding unauthorized electronic fund transfers and reasonable investigations of disputed transactions.","date_sent_to_company":"2026-04-30T21:46:48.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"95136","tags":null,"has_narrative":true,"complaint_id":"21767721","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-30T21:26:23.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["However, the company has repeatedly refused to <em>provide</em> any actual <em>evidence</em> or <em>documentation</em> showing that I authorized the <em>transactions</em>. Specifically, I requested <em>documentation</em> supporting their determination, including transaction authorization records, merchant verification, authentication methods, IP/device information, or other <em>evidence</em> relied upon during the <em>investigation</em>. These requests were denied."]},"sort":[21.608778,"21767721"]},{"_index":"complaint-public-v1","_id":"21652437","_score":21.52519,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or about XX/XX/year>, a series of unauthorized debit card transactions totaling {$12000.00} were made from my account through an online gambling platform. These transactions were not authorized by me and were made without my knowledge or consent. \n\nI discovered the unauthorized activity and reported it to my financial institution, Chime, on XX/XX/year>. I immediately disputed the transactions and requested reimbursement under the protections provided by the Electronic Fund Transfer Act and Regulation E, which cover unauthorized electronic fund transfers. \n\nDespite timely reporting and my clear statement that these transactions were unauthorized, the company issued a denial of my claim ( Claim ID : XXXX ) after conducting what they described as an internal investigation. I was not provided with sufficient documentation or evidence supporting their conclusion, nor was I given a clear explanation of how they determined the transactions were authorized. \n\nAfter the denial, I contacted the company again and was informed that the claim could not be reopened without new evidence, even though I have consistently maintained that I did not authorize these transactions. \n\nOn XX/XX/year>, I filed a police report regarding the unauthorized activity ( Case Number : XXXX ) with my local law enforcement agency. This report serves as additional documentation that the transactions were fraudulent. \n\nThe company has not issued provisional credit within the required timeframe, nor have they complied with their obligations to properly investigate and resolve unauthorized transaction disputes. As a result, I have been deprived of access to my funds, causing significant financial hardship. \n\nI am requesting that the company : * Reopen and properly investigate my claim in compliance with federal law * Provide all documentation and evidence used in their determination * Issue immediate reimbursement for the unauthorized transactions * Comply with all requirements under Regulation E regarding error resolution and consumer protections The transactions in question were unauthorized, and I acted promptly in reporting them. The companys failure to resolve this matter appropriately is not consistent with its obligations under federal law.","date_sent_to_company":"2026-04-28T02:45:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"874XX","tags":null,"has_narrative":true,"complaint_id":"21652437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-04-28T02:41:32.000Z","state":"NM","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am requesting that the company : * Reopen and properly <em>investigate</em> my claim in compliance with federal law * <em>Provide</em> all <em>documentation</em> and <em>evidence</em> used in their determination * Issue immediate reimbursement for the <em>unauthorized</em> <em>transactions</em> * Comply with all requirements under Regulation E regarding error resolution and consumer protections The <em>transactions</em> in question were <em>unauthorized</em>, and I acted promptly in reporting them."]},"sort":[21.52519,"21652437"]},{"_index":"complaint-public-v1","_id":"19225034","_score":21.494274,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint to dispute Currents denial of my claim for unauthorized electronic fund transfers and to request review of their investigation under Regulation E ( 12 CFR Part 1005 ). \nOn or about XX/XX/XXXX, unauthorized transactions were posted to my Current account. These transactions were not authorized by me, were not initiated by me, and I did not receive any benefit from them.\n\nAt the time the unauthorized activity occurred, my account access credentials were compromised without my knowledge or consent after I lost physical control of personal property that provided access to my financial accounts. As a result, a third party was able to initiate transactions before I could fully secure my account. I did not voluntarily share my credentials or authorize any individual to use my account.\n\nI promptly notified Current upon discovering the unauthorized transactions and fully cooperated with their investigation. I provided all requested documentation, including a police report.\n\nDespite this, Current denied my claim without providing specific evidence demonstrating that I authorized the transactions, benefited from them, or that their investigation met the reasonable investigation standard required under Regulation E. I was not provided a clear explanation or documentation supporting their determination.\n\nUnder Regulation E, consumers are not liable for unauthorized electronic fund transfers they did not authorize or benefit from, and financial institutions must conduct a reasonable, good-faith investigation supported by evidence.\n\nI am requesting that Current be required to reopen and reevaluate my claim under Regulation E compliance standards, provide a written explanation of their determination, and credit my account for the unauthorized transactions if no evidence of authorization exists.","date_sent_to_company":"2026-02-03T22:19:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94587","tags":null,"has_narrative":true,"complaint_id":"19225034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-02-03T22:10:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I promptly notified Current upon discovering the <em>unauthorized</em> <em>transactions</em> and fully cooperated with their <em>investigation</em>. I provided all requested <em>documentation</em>, including a police report.\n\nDespite this, Current denied my claim without providing specific <em>evidence</em> demonstrating that I authorized the <em>transactions</em>, benefited from them, or that their <em>investigation</em> met the reasonable <em>investigation</em> standard required under Regulation E."]},"sort":[21.494274,"19225034"]},{"_index":"complaint-public-v1","_id":"20221480","_score":21.448563,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint because SoFi Bank denied my fraud claim for {$1000.00} in unauthorized gift card purchases made by a hacker who accessed my account. These transactions were not authorized by me, and I reported them to SoFi immediately after discovering them. \n\nOn XX/XX/year>, I noticed multiple unauthorized gift card purchases totaling {$1000.00}. I did not make these transactions, did not authorize anyone else to use my account, and did not benefit from these purchases. I reported the fraud to SoFi right away.\n\nI cooperated fully with SoFis investigation and provided all requested information. Despite this, SoFi denied my claim and stated they would not reimburse the unauthorized transactions. The denial letter did not provide a clear explanation of how they reached this conclusion or what evidence they relied on.\n\nUnder the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I understand that the bank must reimburse unauthorized electronic fund transfers unless they can prove that I authorized the transactions. I did not authorize these transactions, and SoFi has not provided any evidence showing that I did.\n\nI have supporting documentation including : Police report Screenshots of the unauthorized transactions My written timeline SoFis denial letter I am requesting that the CFPB review SoFis handling of my fraud claim, ensure that a proper Regulation E investigation is conducted, and require SoFi to provide reimbursement for the unauthorized transactions. I am also requesting that SoFi provide the investigation notes and documentation they used to deny my claim, as required under Regulation E.\n\nI am the victim of fraud and identity theft, and I am simply asking that SoFi follow federal law and properly resolve this matter.","date_sent_to_company":"2026-03-12T23:26:02.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"08619","tags":"Older American","has_narrative":true,"complaint_id":"20221480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2026-03-12T23:04:03.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I have supporting <em>documentation</em> including : Police report Screenshots of the <em>unauthorized</em> <em>transactions</em> My written timeline SoFis denial letter I am requesting that the CFPB review SoFis handling of my fraud claim, ensure that a proper Regulation E <em>investigation</em> is conducted, and require SoFi to <em>provide</em> reimbursement for the <em>unauthorized</em> <em>transactions</em>. I am also requesting that SoFi <em>provide</em> the <em>investigation</em> notes and <em>documentation</em> they used to deny my claim, as required under Regulation E."]},"sort":[21.448563,"20221480"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1747,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1747}]}},"product":{"doc_count":1747,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":619,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":587},{"key":"Other banking product or service","doc_count":24},{"key":"Savings account","doc_count":8}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":493,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":483},{"key":"Other personal consumer report","doc_count":10}]}},{"key":"Credit card","doc_count":233,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":222},{"key":"Store credit card","doc_count":11}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":161,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":104},{"key":"Domestic (US) money transfer","doc_count":29},{"key":"Virtual currency","doc_count":19},{"key":"International money transfer","doc_count":4},{"key":"Check cashing service","doc_count":2},{"key":"Money order, traveler's check or cashier's check","doc_count":2},{"key":"Foreign currency exchange","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":77,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":75},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Debt collection","doc_count":70,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":28},{"key":"Credit card debt","doc_count":23},{"key":"Other debt","doc_count":10},{"key":"Telecommunications debt","doc_count":6},{"key":"Auto debt","doc_count":2},{"key":"Rental debt","doc_count":1}]}},{"key":"Prepaid card","doc_count":42,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":24},{"key":"General-purpose prepaid card","doc_count":14},{"key":"Payroll card","doc_count":3},{"key":"Gift card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":16},{"key":"Government benefit card","doc_count":3},{"key":"General-purpose prepaid card","doc_count":2}]}},{"key":"Vehicle loan or lease","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":13}]}},{"key":"Debt or credit management","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":5}]}},{"key":"Mortgage","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":2},{"key":"Conventional home mortgage","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":2},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Student loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":3}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Savings account","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Title loan","doc_count":1}]}}]}},"issue":{"doc_count":1747,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":402,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":255},{"key":"Deposits and withdrawals","doc_count":69},{"key":"Funds not handled or disbursed as instructed","doc_count":40},{"key":"Banking errors","doc_count":21},{"key":"Problem making or receiving payments","doc_count":14},{"key":"Problem accessing account","doc_count":2},{"key":"Cashing a check","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":233,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":188},{"key":"Account information incorrect","doc_count":19},{"key":"Personal information incorrect","doc_count":11},{"key":"Account status incorrect","doc_count":6},{"key":"Public record information inaccurate","doc_count":4},{"key":"Old information reappears or never goes away","doc_count":3},{"key":"Information is incorrect","doc_count":1},{"key":"Information is missing that should be on the report","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":219,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":133},{"key":"Card was charged for something you did not purchase with the card","doc_count":86}]}},{"key":"Improper use of your report","doc_count":194,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":162},{"key":"Credit inquiries on your report that you don't recognize","doc_count":28},{"key":"Report provided to employer without your written authorization","doc_count":4}]}},{"key":"Problem with a lender or other company charging your account","doc_count":178,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":170},{"key":"Can't stop withdrawals from your account","doc_count":4},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":4}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":106,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":68},{"key":"Investigation took more than 30 days","doc_count":19},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":8},{"key":"Problem with personal statement of dispute","doc_count":7},{"key":"Was not notified of investigation status or results","doc_count":4}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":78,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fraud or scam","doc_count":56,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":52,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":26},{"key":"Debt was result of identity theft","doc_count":25},{"key":"Debt was paid","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":40,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":30},{"key":"Their investigation did not fix an error on your report","doc_count":8},{"key":"Was not notified of investigation status or results","doc_count":2}]}},{"key":"Problem with a purchase or transfer","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":17},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":17}]}},{"key":"Other transaction problem","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":15},{"key":"Funds not received from closed account","doc_count":4}]}},{"key":"Problem caused by your funds being low","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":7},{"key":"Non-sufficient funds and associated fees","doc_count":5},{"key":"Bounced checks or returned payments","doc_count":1},{"key":"Late or other fees","doc_count":1}]}},{"key":"Unexpected or other fees","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":4},{"key":"Problem with customer service","doc_count":3}]}},{"key":"Closing your account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":5},{"key":"Can't close your account","doc_count":1}]}},{"key":"Getting a credit card","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":6}]}},{"key":"Managing the loan or lease","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":3},{"key":"Problem with additional products or services purchased with the loan","doc_count":1},{"key":"Problem with fees charged","doc_count":1},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Opening an account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account opened without my consent or knowledge","doc_count":4},{"key":"Unable to open an account","doc_count":2}]}},{"key":"Electronic communications","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":5}]}},{"key":"False statements or representation","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":5}]}},{"key":"Repossession","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company explaining amount owed","doc_count":3},{"key":"Notice to repossess","doc_count":1}]}},{"key":"Written notification about debt","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":3},{"key":"Didn't receive enough information to verify debt","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan opened without my consent or knowledge","doc_count":2},{"key":"Credit denial","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":2},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting your free annual credit report","doc_count":3}]}},{"key":"Unauthorized withdrawals or charges","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":2}]}},{"key":"Took or threatened to take negative or legal action","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":1},{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}},{"key":"Trouble using your card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":2}]}},{"key":"Charged fees or interest you didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged upfront or unexpected fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Called before 8am or after 9pm","doc_count":1}]}},{"key":"Credit limit changed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity theft protection services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"Deposits and withdrawals","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":1}]}},{"key":"Getting the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft protection or other monitoring services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":1}]}},{"key":"Lost or stolen money order","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money was not available when promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting, activating, or registering a card","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Received a loan you didn't apply for","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":1}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":1747,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":1734},{"key":"No","doc_count":13}]}},"company_response":{"doc_count":1747,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":1222},{"key":"Closed with non-monetary relief","doc_count":341},{"key":"Closed with monetary relief","doc_count":181},{"key":"Untimely response","doc_count":3}]}},"submitted_via":{"doc_count":1747,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":1747}]}},"company":{"doc_count":1747,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":177},{"key":"Experian Information Solutions Inc.","doc_count":146},{"key":"EQUIFAX, INC.","doc_count":138},{"key":"Chime Financial Inc","doc_count":137},{"key":"WELLS FARGO & COMPANY","doc_count":112},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":110},{"key":"JPMORGAN CHASE & CO.","doc_count":104},{"key":"Block, Inc.","doc_count":89},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":69},{"key":"Paypal Holdings, Inc","doc_count":43},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":41},{"key":"CITIBANK, N.A.","doc_count":39},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":37},{"key":"DISCOVER BANK","doc_count":25},{"key":"AMERICAN EXPRESS COMPANY","doc_count":24},{"key":"GOLDMAN SACHS BANK USA","doc_count":23},{"key":"U.S. BANCORP","doc_count":22},{"key":"SYNCHRONY FINANCIAL","doc_count":21},{"key":"FinCo Services Inc DBA Current","doc_count":19},{"key":"TD BANK US HOLDING COMPANY","doc_count":19},{"key":"BARCLAYS BANK DELAWARE","doc_count":18},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":17},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":16},{"key":"Early Warning Services, LLC","doc_count":15},{"key":"LEXISNEXIS","doc_count":14},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":13},{"key":"CBC Companies, Inc.","doc_count":11},{"key":"ROBINHOOD MARKETS INC.","doc_count":10},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":9},{"key":"PNC Bank N.A.","doc_count":9},{"key":"ALLY FINANCIAL INC.","doc_count":8},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":8},{"key":"FISERV FINXACT CORE","doc_count":7},{"key":"Resurgent Capital Services L.P.","doc_count":7},{"key":"Netspend Corporation","doc_count":5},{"key":"Conduent Incorporated","doc_count":4},{"key":"Credit Karma, LLC","doc_count":4},{"key":"Dave Operating, LLC","doc_count":4},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":4},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":4},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":3},{"key":"CULLEN/FROST BANKERS, INC.","doc_count":3},{"key":"Coinbase, Inc.","doc_count":3},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":3},{"key":"I.C. System, Inc.","doc_count":3},{"key":"KEYCORP","doc_count":3},{"key":"Kikoff Inc.","doc_count":3},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":3},{"key":"Self Financial Inc.","doc_count":3},{"key":"Skrill USA, Inc.","doc_count":3},{"key":"UPGRADE, INC.","doc_count":3},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":2},{"key":"Affirm Holdings, Inc","doc_count":2},{"key":"Avant Holding Company, Inc.","doc_count":2},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":2},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":2},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":2},{"key":"CORELOGIC INC","doc_count":2},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":2},{"key":"Comerica","doc_count":2},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":2},{"key":"FIRST MERCHANTS CORPORATION","doc_count":2},{"key":"GOLDEN 1 CREDIT UNION, THE","doc_count":2},{"key":"General Motors Financial Company, Inc.","doc_count":2},{"key":"INDEPENDENT BANK GROUP, INC.","doc_count":2},{"key":"Incomm Holdings Inc.","doc_count":2},{"key":"Klarna AB","doc_count":2},{"key":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","doc_count":2},{"key":"Nelnet, Inc.","doc_count":2},{"key":"OFG BANCORP","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"Revolut Technologies Inc.","doc_count":2},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":2},{"key":"Sequium Asset Solutions, LLC","doc_count":2},{"key":"Southwest Credit Systems, L.P.","doc_count":2},{"key":"Synovus Bank","doc_count":2},{"key":"TRUSTMARK CORPORATION","doc_count":2},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":1},{"key":"Aargon Agency, Inc.","doc_count":1},{"key":"Ability Recovery Services, LLC","doc_count":1},{"key":"Albert Corporation","doc_count":1},{"key":"Aldous & Associates, PLLC","doc_count":1},{"key":"American Credit Acceptance, LLC","doc_count":1},{"key":"Atlantic Union Bankshares, Inc.","doc_count":1},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"B9, Inc.","doc_count":1},{"key":"Branch Messenger, Inc.","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CARD Corporation","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":1},{"key":"CMG Financial Services, Inc.","doc_count":1},{"key":"COMMERCE BANK","doc_count":1},{"key":"Certegy Holdings, LLC","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"Credit International Corporation","doc_count":1},{"key":"DEBT 0, INC","doc_count":1},{"key":"DailyPay, Inc","doc_count":1},{"key":"Diversified Adjustment Service, Inc.","doc_count":1},{"key":"Dunlap Gardiner LLP","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"FIDELITY CAPITAL HOLDINGS, INC","doc_count":1},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":1},{"key":"FIRST COMMONWEALTH FINANCIAL CORPORATION","doc_count":1},{"key":"FIRST HAWAIIAN, INC.","doc_count":1},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":1},{"key":"FIRSTBANK PUERTO RICO","doc_count":1},{"key":"Foris DAX, Inc.","doc_count":1},{"key":"Giggle Finance Inc.","doc_count":1},{"key":"Halsted Financial Services, LLC.","doc_count":1},{"key":"InDebted Corporation","doc_count":1},{"key":"Indie Technology DBA Found","doc_count":1},{"key":"January Technologies, Inc","doc_count":1},{"key":"LCI Acquisition Inc.","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"MECHANICS BANK","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"MORTGAGE SOLUTIONS OF COLORADO","doc_count":1},{"key":"Majority USA, LLC","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"McKenzie Paul & Associates","doc_count":1},{"key":"Merchants and Medical Credit Corporation, Inc.","doc_count":1},{"key":"Mercury Financial Intermediate LLC","doc_count":1},{"key":"Mercury Technologies, Inc.","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"NEW YORK COMMUNITY BANCORP INC","doc_count":1},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":1},{"key":"National Credit Adjusters, LLC","doc_count":1},{"key":"National Credit Systems,Inc.","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":1},{"key":"Opportunity Fund","doc_count":1},{"key":"Payactiv, Inc.","doc_count":1},{"key":"Payfare International Inc.","doc_count":1},{"key":"Payward Ventures Inc. dba Kraken","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"Propel, Inc.","doc_count":1},{"key":"Radius Global Solutions LLC","doc_count":1},{"key":"SLM CORPORATION","doc_count":1},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":1},{"key":"SUNCOAST CREDIT UNION","doc_count":1},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":1},{"key":"Source Receivables Management LLC","doc_count":1},{"key":"Southern Auto Finance Co","doc_count":1},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":1},{"key":"The Receivable Management Services LLC","doc_count":1},{"key":"Tower Loan of Mississippi, Inc.","doc_count":1},{"key":"TransferWise Ltd","doc_count":1},{"key":"TrueAccord Corp.","doc_count":1},{"key":"United Collection Bureau, Inc.","doc_count":1},{"key":"Upstart Holdings, Inc.","doc_count":1},{"key":"VYSTAR CREDIT UNION","doc_count":1},{"key":"Veros Credit, LLC","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1},{"key":"ZIONS BANCORPORATION","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1}]}},"state":{"doc_count":1747,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":309},{"key":"TX","doc_count":178},{"key":"FL","doc_count":154},{"key":"GA","doc_count":138},{"key":"NY","doc_count":94},{"key":"IL","doc_count":66},{"key":"NC","doc_count":62},{"key":"OH","doc_count":54},{"key":"NJ","doc_count":53},{"key":"PA","doc_count":50},{"key":"AZ","doc_count":46},{"key":"MD","doc_count":45},{"key":"MI","doc_count":42},{"key":"MO","doc_count":37},{"key":"VA","doc_count":34},{"key":"AL","doc_count":31},{"key":"MN","doc_count":31},{"key":"WA","doc_count":31},{"key":"MA","doc_count":28},{"key":"TN","doc_count":28},{"key":"SC","doc_count":23},{"key":"CO","doc_count":21},{"key":"NV","doc_count":21},{"key":"IN","doc_count":20},{"key":"LA","doc_count":18},{"key":"AR","doc_count":16},{"key":"CT","doc_count":13},{"key":"DC","doc_count":12},{"key":"OR","doc_count":12},{"key":"OK","doc_count":9},{"key":"PR","doc_count":9},{"key":"MS","doc_count":8},{"key":"NE","doc_count":8},{"key":"KY","doc_count":7},{"key":"UT","doc_count":7},{"key":"WI","doc_count":6},{"key":"HI","doc_count":4},{"key":"RI","doc_count":4},{"key":"NM","doc_count":3},{"key":"DE","doc_count":2},{"key":"KS","doc_count":2},{"key":"WV","doc_count":2},{"key":"WY","doc_count":2},{"key":"ME","doc_count":1},{"key":"ND","doc_count":1},{"key":"VT","doc_count":1}]}},"company_public_response":{"doc_count":1747,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":738},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":83},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":1}]}},"tags":{"doc_count":1747,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":144},{"key":"Older American","doc_count":43},{"key":"Older American, Servicemember","doc_count":11}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[21.449396,"20221480"],"3":[20.922962,"16467853"],"4":[20.476921,"18908841"],"5":[20.23505,"18086111"],"6":[19.9598,"19590500"],"7":[19.719406,"9411595"],"8":[19.469187,"21061178"]}}}